We're open as usual
Monday - Friday, 9am - 5pm
Local rate and mobile friendly
1 Your charity
2About you
3Your quote

Quote in less than 2 minutes

Get competitive cover for photographers, in a flash.

Answer a few quick questions about your business and we’ll do the rest. Easy.

Quote in less than 2 minutes

Get competitive, specialist cover the quick and easy way.

Answer a few quick questions about your business and we’ll do the rest.

What does your charity or group do?

?
We need to know what you do so we can offer you cover that’s the right fit. Pick the closest thing – or if what you do isn’t listed, please get in touch.

What type of engineering do you do?

?
If you can’t see a close enough match for what your business does, or it does more than one thing, please get in touch.

What type of consulting do you do?

?
If you can’t see a close enough match for what your business does, or it does more than one thing, please get in touch.

What’s your organisation’s annual income (including funds raised and grants awarded)?

We need this to work out what your insurance costs.
You need to put more than £0 to be able to quote.

?

This is the total amount of money your organisation gets in a year. Include fundraising, grants, sponsorships, membership fees and anything else that contributes to your income.

Go by last year’s figure. If you’re less than a year old, your best guess is fine.

What cover do you need?

What cover do you need?

Do other people work with or for you?

Include anyone under your supervision such as employees, freelancers and volunteers.

?

So you know, the Health and Safety Executive considers all these 'employees':

  • Unpaid volunteers and interns
  • Work experience students
  • Labour only subcontractors
  • Temps
  • Secondees
  • Apprentices
  • Helpers
  • Staff borrowed from other companies

Note: even if someone is self-employed for tax purposes, they might be classed as an employee for other reasons. For example, if you use freelancers but you dictate where and when they work, and provide their equipment, you could be liable for their welfare. Even though they're not, strictly speaking, employees you might need employers’ liability insurance to cover them.

Including you, how many people work in your business?

?

The Health and Safety Executive considers these as people who work in your business ('employees'):

  • Unpaid volunteers and interns
  • Work experience students
  • Labour only subcontractors
  • Temps
  • Secondees
  • Apprentices
  • Helpers
  • Staff borrowed from other companies

Note: even if someone is self-employed for tax purposes, they might be classed as an employee for other reasons. For example, if you use freelancers but you dictate where and when they work, and provide their equipment, you could be liable for their welfare. Even though they're not, strictly speaking, employees you might need employers’ liability insurance to cover them.

What’s your annual wage bill?

This is the total amount of money your business pays out in salaries, wages and bonuses in a financial year. It should include your salary, if you take one, but not any dividends you pay to yourself or anyone elseorganisation pays all permanent employees.

If you don’t have an annual wage bill, or if you’re a new business and you’re not sure what it'll be, please put ‘0’.

If you don’t have permanent employees, or you’re new and you’re not sure what your wage bill will be, put ‘0’.

Do you design and build websites or apps that have to comply with the Payment Card Industry Data Security Standards (PCI/DSS)?

Do you need an ACCA, ICAEW, ICAI or ICAS approved policy?

Membership of these associations usually means your insurance needs an approved policy wording. Answer 'Yes' and we'll make sure yours has.

Is any of your work in relation to pollution or contamination?

Is your business limited to the following activities?

  • Energy assessments for residential properties
  • Energy assessments for commercial properties
  • Ecological consultants

Is your business limited to the following activities?

  • Building services (including mechanical)
  • Electrical inspections
  • Portable appliance testing
  • Feasibility studies
  • Expert witness
  • Heating, ventilation and air conditioning engineering
  • Planning supervision

Are you, or any of your principals a chartered surveyor?

How much experience do you have as an estate/letting agent?

Is your business limited to the following activities?

  • Residential estate agency (excluding any property management)
  • Residential lettings (excluding any property management)
  • Insurance and IFA commissions (introductions to third parties only)
  • Expert witness

Is your business limited to the following activities?

  • Health and safety audits
  • Drafting health and safety policies
  • Fire risk assessments
  • Health and safety training

Do you work outside the UK?

If you sometimes travel to other countries to work, answer ‘Yes’.

Also answer ‘Yes’ if you work under non-UK law contracts – even if you do the work in the UK.

Do you work outside the EU?

If you sometimes travel to non-EU or non-European countries to work, answer ‘Yes’.

Also answer ‘Yes’ if you work under non-EU law contracts – even if you do the work in the EU.

How much of your turnover comes from working in:

United Kingdom
Ireland
Europe (excluding UK and Ireland)
USA & Canada
Rest of the world
Total
0 %
?

Please give us an idea of how much work you do where. Work out roughly what percentage of your annual turnover you generate in each of the geographical areas listed, making sure the total adds up to 100%. If you do all of your work in one geographical area only, make that figure 100% and leave everything else as 0%.

How much of your turnover comes from contracts subject to the laws of:

United Kingdom
Ireland
Europe (excluding UK and Ireland)
USA & Canada
Rest of the world
Total
0 %
?

We need to know which country’s laws the work you do is governed by. Contracts are sometimes written under one country’s laws while the actual work is carried out elsewhere.

Work out roughly what percentage of your annual turnover comes from contracts written under the laws of each of the geographical areas listed. Please make sure the total adds up to 100%. If you do all of your work under the laws of one geographical area only, make that figure 100% and leave everything else as 0%.

What's your largest US or Canadian law contract?

We need your largest fee income from a US or Canadian law contract

Do any of your beauty activities fall outside of the below?

  • Temporary hair removal and bleaching
  • Hair dressing and barbering
  • Makeup (excluding semi-permanent make up) and spray on tan applications
  • Nail extensions and treatments
  • Eyelash and eyebrow treatments
  • Facials
  • Facial peels (glycolic under 40% strength)
  • Body wrapping
  • Ear piercing
  • Massage
  • Electrolysis for hair removal and thread vein treatment

Do any of your additional activities fall outside the list below?

All therapists performing these treatments must have an NVQ Level 3 in hair and beauty treatments or equivalent.

  • Microblading
  • Dermaplaning
  • Microdermabrasion
  • Hyperdermabrasion
  • Micro-pigmentation
  • Semi-permanent make up
  • Mesotherapy via microneedling
    (including dermaroller, dermapen and dermastamp)
  • Hydrafacial
  • Electrical facial treatments including CACI
  • LED light therapy (Dermalux)

More about your business

Please tick as many boxes as you need to.

If you’re not sure what to tick, or you can’t see what you do, call 0345 561 0320.

Are all procedures performed by a surgeon, doctor, registered nurse, pharmacist, paramedic, dentist, dental therapist or dental hygienist?

Do you have insurance with, or a quote from, Beazley?

What does your organisation do?

Please click on the expanding categories below and tick as many boxes as you need to.

If you’re not sure what to tick, or you can’t see what you do, call 0345 222 5399.

Animals

Arts / Drama / Music / Dance

Community Groups

Counselling and Advice Services

Education and Training

Friendship and Social Activities

Hobbies and Pastimes

Management of Land / Buildings for Community Use

Political / Social / Environmental

Professional Societies and Associations

Religious Activities or Education

Sports / Outdoor / Indoor Pursuit Clubs

Support Services / Group

Youth and Children's Work

What do you sell?

Please tick as many boxes as you need to.
If you’re not sure what to tick, check here or call 0345 561 0320.

What’s the largest single fee you’ve charged a client in the last 3 years?

What’s the total value of the largest project you’ve worked on in the last 3 years?

We need the total cost of the whole project, not just the part you worked on.

What has been your average contract value in the last three years?

As in the average £ value of the contract to you.

What has been your longest contract in the last three years?

What is the value of your largest mailing contract?

This is the total value to your client, rather than the amount they're paying you. The insurer is looking for an idea of worst-case scenario if it all goes wrong and you're liable.

What is the size of your largest mailing contract by number of items mailed?

More about your business

Please tick as many boxes as you need to.

If you’re not sure what to tick, or you can’t see what you do, call 0345 561 0320.

More about your business

Please say, roughly, how you split your work.

Total
0 %

Do you hold an NVQ Level 3 or equivalent beauty qualification and have more than six months experience in performing injectable treatments?

Do you have at least 12 months experience in advanced beauty treatments that pierce the skin (eg. micro-needling)?

Do you supply or sell any products?

Do you operate as an individual and/or a sole trader?

Do you operate as an individual and/or a sole trader?

Are you qualified and/or certified to perform your business activities?

Do you do any of the following?

  • aesthetic or cosmetic procedures
  • any teeth whitening without the prescription from a General Dental Council (GDC) registered dentist
  • medical services to professional sports individuals or elite athletes
  • birthing, obstetric or fetal scanning activities
  • surgery other than the removal of non-cancerous moles, skin tags, cysts, milia or warts
  • any e-consultations or provide any advice given over the internet including the online prescribing of drugs
  • any spinal joint manipulations
  • treatments relating to clinical trials
  • duties for a 111 or 999 service provider other than an advisory role for medicine management or as a direct referral from a 111 service provider
  • out of hours or remote services without access to a General Medical Council (GMC) registered general practitioner or a General Dental Council (GDC) registered dentist at all times

The policy we'd like to quote does not cover claims from these activities.

Do you want your insurance to cover both yours and your placements' negligence?

Do you want your insurance to cover physical damage caused by both you and your placements?

You can be held responsible for errors or damages caused by the people you place. This is called 'vicarious liability'. Clicking 'Yes' means you're protected if a client sues you for something that's not directly your fault.

What is the total annual payroll for staff that you place?

Do you agree to use non-standard contracts?

Among other things, it's likely a non-standard contract asks for you to be responsible for people or activities outside your normal scope. Your best bet is to check the non-standard clauses and call us on 0345 561 0320 if you're not sure.

What percentage of your total fee income relates to non-standard contracts?

What percentage of your total placed payroll relates to non-standard contracts?

Are you or any partner/director a member of RICS?

We need to know so we can give you a policy that’s RICS-approved, as that’s a condition of your membership. RICS membership also requires a minimum level of professional indemnity cover, based on your income.

When did your business start trading?

If your business started trading before 2010, we’ll have to have a quick chat. Please call us on 0345 561 0320

Do any of your past, current or planned contracts involve basement works?

Answer 'yes' if past or current work includes consultancy on, or actual design/engineering of, basements. If there's a chance future contracts could include basement work but don't as yet, answer 'no' for now and get in touch if things change. We'll ask your insurer to review your policy if and when the time comes.

Also answer 'no' if past projects involved properties with a basement but your work wasn't in relation to it.

Are you an individual contractor working as part of an organisation’s broader workforce under their supervision, direction and control with all work signed off by a permanent member of staff?

Do you sell, supply, make, install, repair or service any products?

In this context, a 'product' is a physical thing (like, say, a chair) rather than something less tangible (like, say, computer software). If you're not sure how to answer, please call 0345 561 0320.

Roughly how much of your annual income is from selling, supplying, making, repairing or servicing products?

What’s your organisation called?

?
Tell us the name of your charity or group. You might be a charity (you needn’t be registered to choose this cover), or you might also be another kind of organisation.

What’s your address?

This should be where your charity or group is based.
Or enter address manually
Please enter a postcode
?

This should be your correspondence address or where you usually operate from, rather than your registered address (unless they're the same).

If you need a quote for equipment cover, public or employers' liability, or business interruption insurance, please give us the address where cover should apply (if different).

If you need to split cover between addresses (for example, your premises and a storage facility) or you have more than one base, please call us on 0345 222 5399.

Sorry, but we can only cover UK-based organisations.

What’s your name?

What’s your phone number?

We won’t pass on or sell your number to anyone and we only call if we have to.

?

Your home, business or mobile number is fine. Please remember we need the dialling code too.

Generally, we don't call our customers unless there's a problem with their policy.

Just so you know, we're not interested in selling or passing on your phone number to third parties (except where the law says we have to).

What’s your email address?

For sending your quote. We don’t share or spam.

?

Where possible, we do everything by email. We'll send your quote – and your policy documents if you decide to buy – to the email address you give us.

We'll also send you risk tips and useful (we hope) information every now and then. It goes without saying you can opt out of these emails at any point.

And finally, did a PolicyBee customer give you our details?

Please tell us who

We need their name or their business name. You both get £20 if you buy your insurance from us – we call it Pass It On.

Do you do anything else?

As well as "unknown", you can add up to three more business activities.

Does your organisation have assets, travel or undertake any activities outside of the UK?

?
If you answered 'yes', we may still be able to help, but we'll need to have a chat first. Please call us on 0345 222 5399.

Do you require cover for claims relating to abuse?

Answer ‘Yes’ if your organisation has contact with vulnerable people.

Is your organisation registered in the UK or, if unregistered, based in the UK?

?
If you answered 'no', we may still be able to help, but we'll need to have a chat first. Please call us on 0345 222 5399.

Does your organisation own, manage or administrate any of the following?

  • A shop or warehouse
  • A drop-in centre
  • A care home
  • A hospice
  • A children's nursery
  • An animal shelter or rescue
  • A residential drug or alcohol facility
  • A facility supporting homelessness, refugees or asylum seekers
  • A swimming pool, sports centre or arena
  • A place of worship
?

If your organisation simply fundraises for one of the facilities listed, or signposts people to them, please carry on by answering 'No'.

But if you act as a service provider for any of these facilities, we'll need to have a chat. Please call us on 0345 561 0320 and we'll see if we can still cover you.

Does your organisation engage in any of the following?

  • Environmental or governmental campaigning or lobbying
  • International or overseas aid
  • Regulation or certification
  • Accountancy, financial or legal advice
?

By 'regulation or certification', we mean certifying people's qualifications or acting as a regulator.

Does your organisation provide services related to any of the following?

  • Human rights or the prevention of cruelty or abuse
  • Mental or sexual health
  • Medical or surgical research, care, advice, diagnosis or treatment
  • Homelessness, refugees or asylum seekers
?

If your organisation simply fundraises for one of the services listed, or signposts people to them, please carry on.

But if you provide actual services in any of these interest areas, we'll need to have a chat. Please call us on 0345 561 0320 and we'll see if we can still cover you.

Please note that bodily or personal injuries arising out of any treatment or care provided by you are not covered.

How many people work with you or help you out?

Full-time employees
Part-time employees
Trustees
Volunteers
?

Include everyone who helps out in the course of a year and divide them into:

  • paid full-time or part-time employees
  • unpaid trustees and volunteers

The Health and Safety Executive considers all the following to be employees in terms of their welfare:

  • Apprentices
  • Freelancers, if you provide their equipment and dictate when and where they work
  • Interns
  • Labour-only subcontractors
  • Secondees
  • Staff borrowed from other companies
  • Temps
  • Trustees and directors
  • Volunteers
  • Work experience students

Is your main role to process and handle financial services complaints?

Are you involved in construction project management?

Are you involved in construction health & safety?

Do you need to cover any architectural design work?

What's your GDC number?

Are you a practice owner/principle?

Do you work as a locum?

How many years have you been practicing in the UK?

How many sessions do you work per week?

What’s your gross annual income from dental practice (before expenses)?

What’s your gross annual income from non-dental aesthetic treatments (Botox, fillers etc)?

Roughly how many of your patients are:

NHS
Private
Total
0 %

Roughly how much of your time do you spend on each of these activities?

General Dentistry
Orthodontics
Endodontics
Periodontal
OMF Surgery
Implants
Legal Reports
Teeth Whitening
Other
(please explain at end of form)
Total
0 %

Do you plan to cease practice or have any retirement plans?

Do you do any work for/in the prison service?

Do you need cover for any Dental Care Practitioners?

Have you ever been or are you currently subject to any complaints, claims, disciplinary investigations or circumstances which could lead to a claim either in the UK or overseas?

Please tell us any other relevant information:

Is any phase 3 electrical work undertaken?

Is any gas fitting or installation work undertaken?

Do you use any flame cutting or welding equipment?

Do you clean any building exteriors or boilers, or do any kind of blast cleaning?

Does your work involve any discharge of fumes, effluent or anything of a noxious nature?

What is the maximum depth (below ground) at which work is undertaken (in metres)?

What is the maximum height at which work is carried out (in metres)?

Including you, how many people altogether work in the business?

Partners/directors/principals
Bona-fide subcontractors
Labour-only subcontractors
Permanent employees
Temporary employees

Of the x partners/directors/principals, how many do any manual work?

Of the x permanent employees, how many do any manual work?

Does your permanent employee do any manual work?

What is the value of your largest single contract?

What is your company status?

In what year was the business established?

How many years of experience do you have?

Do you work outside the UK?

If you sometimes travel to other countries to work, answer ‘Yes’.

Also answer ‘Yes’ if you work under non-UK law contracts – even if you do the work in the UK.

In a personal capacity or in connection with any existing or previous business, has the proposer or any principal, director or partner:

  • Ever had insurance refused or declined
  • Ever had any cover cancelled, avoided or made subject to special terms
  • Ever been convicted of a criminal offence, apart from motoring offences and spent convictions (as defined under the Rehabilitation of Offenders Act)
  • Ever been charged but not yet convicted of a criminal offence, other than a motoring offence
  • Been prosecuted, or served a prohibition order under health and safety legislation or environmental protection legislation in the last 5 years
  • Been subject to a county court or high court judgement in the last 5 years
  • Been subject to any bankruptcy proceedings or any form of insolvency or winding-up procedures (including administrative receivership or any form of voluntary arrangement) in the last 5 years
  • Been disqualified from a directorship of any company in the last 5 years
  • Been the subject of a recovery action by HM Revenue and Customs or its predecessors in the last 5 years

Have there been any losses or incidents giving rise to losses in the last 5 years?

Losses or incidents giving rise to losses in the last 5 years

We need to know about each claim and incident.

Your previous insurer may be able to give you some of this information. If you didn't make a claim for an incident, please tell us approximately how much your loss from it was.

Date of incident
Type of claim or incident
Value of claim or loss


Thanks, . Let's get your quote

  • Instant cover, instant docs
  • Jargon free, always
  • No admin charges, no cancellation fees

© Copyright PolicyBee 2011-2020. Privacy notice & cookies | Terms of business

PolicyBee LLP is an insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA) under firm reference no. 537595. You may check this on the FCA's register by visiting the FCA's website www.fca.org.uk or by contacting the FCA on 0300 500 0597.